Practical advice you can use right now to recover the money you deserve without problem, hassle or delay by:

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1 CONSUMER'S GUIDE FOR INJURED VICTIMS Practical advice you can use right now to recover the money you deserve without problem, hassle or delay by: Christopher J. Zachar, Esq. Personal Injury Attorney at Law Zachar Law Firm, P.C. 17 SECRETS TO GETTING A FAIR SETTLEMENT FOR YOUR INJURIES SECRET #1: Do not talk to anyone... except your doctor or attorney. You should always know who is talking with you. Be careful about speaking with the other insurance company and its adjusters or lawyers. You should also be careful when speaking even with your own insurance company, or to any lawyers hired by your insurance company, without notifying your attorney so that he may be present if necessary. SECRET #2: If you are injured, seek medical treatment promptly. Tell your doctors about all of your medical problems. You should try hard to keep all medical appointments, and you should always tell your doctors about all of your areas of pain. You should never exaggerate your symptoms, but you should also not minimize your ailments when talking with your doctors. Make sure you tell your doctor about each and every symptom. This is important to your treatment. If you see any other doctors, make sure that you tell both your current doctors and your attorney immediately. SECRET #3: Conduct a complete investigation. It is extremely important that you or your attorney collect all witness statements, police reports, medical reports and anything else related to your accident. Your case may require hiring private investigators or accident reconstruction experts. The other party's insurance company will collect all sorts of information that may be used against you. You could be at a serious disadvantage if a thorough investigation to support your claim for damages is not conducted soon after the accident. SECRET #4: Get photographs of all important elements in your case: For example, if you are in a car accident, you should obtain photographs of your car and the car that hit you, the accident scene and your injuries. Photos are vivid evidence of what you experienced. Sometimes, a picture is worth a thou-sand words, and juries find photos to be powerful proof of your injuries. If you have taken pictures, in-form your attorney and provide him with the photographs or negatives. If an investigator is necessary, we have several who work for us to conduct all aspects of the investigation.

2 SECRET #5: Don't have your car repaired until you have taken photos of your vehicle's damage. You don't want to rely on photographs taken by the other party's investigator. These people are trained to minimize the damage appearance in the photos. Take your own photos or tell us and we will obtain photos that properly show your damages. Also, if the other driver was clearly at fault and you have collision coverage on your own policy, you have two alternatives: Either your attorney may insist that the other driver's insurance company repairs the automobile or you may submit the claim to your insurance company. Always consult your attorney to determine which choice he recommends. SECRET #6: Don't sign a release for your medical records to the other party's insurance company. Many accident victims make the mistake of signing a release for the other party's insurance company. This gives the other party's insurance company access to your medical records. The same is true for your own insurance company. However, in certain types of claims, your own insurance company may be entitled to your medical information. But the other party's insurance company should NOT have this information because it may use those facts against you. Don't release your medical records to any insurance company, or sign an authorization allowing an insurance company to get the records directly, until you speak with your attorney. SECRET #7: Never plead guilty to any traffic offense before you consult with your attorney. Ask your attorney to evaluate your ticket or citation before the time and date set for the hearing. Pleading guilty to a traffic offense can affect your injury claim. SECRET #8: Keep the adjuster informed about the seriousness of your injuries. Now we get into an area where you must be very careful. You want to keep the adjuster informed. Yet, at the same time, you must be careful what you disclose to the adjuster. There's a fine line between what you should and should not tell the adjuster. And, certainly, the circumstances of your injury will play a part in what you should reveal. It's not possible to address this subject in one or two paragraphs. When we meet, in our office or at a seminar, we'll be happy to discuss this with you and answer any questions. SECRET #9: Don't let the insurance adjuster pressure you into settling your case. Adjusters use all kinds of methods to get you to settle for a smaller amount than the fair value of your case: The insurance adjuster may try to get you to admit that the accident was your fault, or at least partly your fault. The adjuster may try to get you to give a recorded statement or sign a statement, either of which may be used against you later at trial. Insurance company adjusters are trained to gather information that may be damaging to your case, and to settle cases for the lowest amount possible. What's more, don't be surprised if the insurance adjuster is polite. His kindness may be a tactic to get you to settle for less than your case is worth and to get you to settle soon, often before you hire an attorney. The longer your file remains open, the more the adjuster will pressure you to settle.

3 Your lawyer can help you evaluate whether the insurance company's offers are reasonable or unreasonable. Also, your attorney can file a lawsuit on your behalf if the insurance company refuses to make a fair offer to settle. SECRET #10: Know all your damages. They include (1) cost of medical treatment, (2) pain and suffering for your injuries, (3) loss of income for time off work, (4) loss of business, (5) cost of a rental car, (6) cost of fixing your car, (7) cost for psychological counseling caused by stress or some other aspect of the accident, (8) cost of transportation to and from your doctor's office and possibly other money you paid out or lost as a result of your injury. Keep an accurate record of all expenses and hours or days lost from work due to your injuries. Your attorney will get written documentation from your employer to verify the lost earnings. SECRET #11: Keep all bills and receipts related to your accident. If you don't save your bills and receipts, you will not be able to prove the amount of your damages. If you cannot prove the amount, you cannot recover for these expenses. Be sure to save everything: doctor bills, hospital bills, pharmacy bills, and all other bills you incurred because of your accident. Immediately give all bills to your attorney, so he may deal directly with the medical providers on your behalf. Make sure you get a receipt for every bill you pay. Your attorney will also help you process payments through your own health insurance or under the medical payment provisions of your auto insurance policy. SECRET #12: Know all your injuries. Many victims feel that if they don't hurt, they aren't injured. Yet injuries caused by accidents may not develop into symptoms for days even weeks. Don't be too quick to rule out injuries just because they haven't yet appeared. This is why you should not discuss your injuries with insurance company adjusters. (See secret #6.) SECRET #13: Know your sources for insurance coverage. In many cases an injured victim can legally collect from two or three different insurance policies at the same time. Yet many accident victims don't know where to look for various insurance coverages. Your attorney will help you determine whether you can collect from more than one policy. SECRET #14: Continue under your doctor's care until your doctor releases you. Many people stop going to their doctor when they feel better, before the doctor releases them from treatment. Make sure you continue going to the doctor until your doctor releases you! Your doctor knows the complications that could result from your injury. The type of injury may be complex and the mere fact that you are no longer in pain does not mean that your injuries have fully healed. If you can't afford the continuing cost of treatment, you're invited to call us to discuss your options. SECRET #15: Consider and be prepared to file a lawsuit if the settlement offer is not fair. After your doctor releases you from treatment, prepare your case quickly and, if necessary, file your lawsuit. Insurance companies are not in a hurry to settle cases (1)

4 unless they can settle the lawsuit for far less than it's worth, or (2) unless they feel the pressure of the approaching court date. Insurance companies usually get serious about settling your claim if they see that they will have to start paying lawyers to defend your lawsuit. We will be more than happy to discuss the benefits and risks of filing a lawsuit and will make sure you understand all of the aspects before deciding to take this important step. SECRET #16: Ask a qualified, experienced personal injury trial lawyer to evaluate your case. You probably had a doctor evaluate your injuries. Doesn't it also make sense to have a lawyer evaluate your legal claim? The insurance company wants you to settle quickly in hopes that you'll settle for far less than your case is really worth. An experienced personal injury trial attorney can help you by reviewing your file. He will carefully review the police report, doctors' statements, medical bills, time lost from work and other information. Then he can give you an informed opinion about the estimated value of your case. If you'd like us to evaluate your case, please don't hesitate to call. SECRET #17: If you decide to hire a lawyer, choose one who isn't afraid to go to court. Insurance companies keep tabs on lawyers. They know which lawyers will take them to court the fighters. And they know which lawyers will not go to court the settlers. The fighters usually get more money for their clients than the settlers. Make sure you discuss your case with a skilled personal injury trial lawyer. 7 COMMON MISCONCEPTIONS ABOUT INJURY CASES MISCONCEPTION #1: I can settle my case without hiring a lawyer. True. If you're happy with the amount of money the insurance company offers for your car and if you're happy to have your medical bills paid then you're right. You don't need to hire a lawyer. Still, it's important that you understand what you're entitled to. In most cases, you are entitled not only to recover your medical bills and repairs to your car, but also to any additional damages you suffer. That's why we urge you to talk with a lawyer over the telephone before you accept an insurance company's offer. When you speak with your lawyer, you'll learn that he can help you in a number of ways. First, he can help you get your car repaired. Second, he can help you get the fair value for your car. Third, he can help you get a fast settlement on your car. Your lawyer takes the hassle out of dealing with the insurance company. And, in our office, we provide all these services for our clients, usually at no charge. In other words, we usually don't take one penny of the money we collect for damages to your car. Our fee is limited to a percentage of what we recover for your injuries and damages nothing more.

5 MISCONCEPTION #2: An attorney requires a down payment to accept my injury claim. False. In our office, we accept most accident cases for a contingency fee. This means we get paid out of the money we recover for you. If you collect nothing, you pay no attorneys' fees. To start, you can talk with us for free. And if you hire our services, you pay no fee until your case settles and we recover money for you. We will be more than happy to talk with you about this at our initial meeting. MISCONCEPTION #3: I'll have to go to court to get what my case is worth. False. Most injury cases are settled before the case goes to court. Often, when the insurance company realizes you and your lawyer are ready and willing to go to court, the insurance company starts making reasonable offers for your injury claim. If we don't like the first offer, we make a counteroffer. Negotiations may continue until both sides agree on a certain amount. In most cases, injury claims don't require a court trial. MISCONCEPTION #4: I have to accept what my lawyer tells me. False. Anytime you feel confused anytime you don't understand what's going on you're entitled to and should get a second opinion. In the field of medicine, if your doctor suggests major surgery, you know it's wise to get a second opinion. Likewise, anytime you speak with one lawyer, you're perfectly free to confirm his advice by seeking a second opinion from another lawyer. We will be happy to review your case and provide a second opinion, even if you already have a lawyer. MISCONCEPTION #5: Once I settle my claim, I can get more money in the future if I have additional medical bills. False. Usually, once your claim is settled, it is over forever! MISCONCEPTION #6: I have only one year to file a lawsuit. False. This can be a difficult question to answer. In Arizona, in most personal injuries cases, you have two years to file a lawsuit to protect your rights. However, in some instances, you may have only one year. If your claim is against a governmental entity (such as a city, county or state employee), you may have only 180 days to protect your rights to make a claim. It is important that you know your rights. Otherwise, you may lose your right to bring a claim for your injuries and damages. Ask us and we'll help you determine the proper time frames. MISCONCEPTION #7: If I am partly at fault for causing the accident, I am not entitled to any money.

6 False. Both sides may cause an accident and you may still be entitled to recover money. HOW TO GET YOUR CAR FIXED Answers to commonly asked questions If you are injured in an accident and want us to represent you, we'll arrange to get your car repaired for you, and we'll handle your injury claim. Question: Can I get a rental car while my car is being repaired? Answer: Yes. Some companies specialize in providing cars to people whose cars are in the shop. Look for them in the Yellow Pages or feel free to ask us. Your own insurance company may pay for a rental car, as well. There may be some delay depending upon the circumstances of your case. We will be happy to discuss this with you and do everything possible to help you. Question: Where do I have to take my car to get it repaired? Answer: You decide which body shop you want to repair your car. Naturally, the insurance company may prefer that you go to the shop that gives you the lowest bid. But you have the opportunity to choose any repair shop you wish. Question: How many estimates do I have to get? Answer: Usually, you do not have to get any estimates. The other party's insurance company will schedule an appointment for you at their drive-in facility, or they will have an estimator come to you. After you get the estimate, if you aren't sure where to take your car for repairs, we'll be happy to recommend repair shops that have good reputations. Question: How much money will I get for my car? Answer: You will get the amount of money needed to return your car to the condition it was in immediately before the accident. If the amount of money needed for repairs is greater than the value of your car, the insurance company may declare your car a total loss. Then, rather than fixing your car, the insurance company may pay you what your car was worth based on industry price guidelines. Often, this amount is less than what you think your car is worth. We work with trained professionals in the appraisal and valuation of your vehicle. We can help you in these matters. WHEN YOU NEED A LAWYER AND WHEN YOU DON'T In some instances, you may be able to settle your claim with the insurance company by yourself, without an attorney's help. It's important that you realize you are going up

7 against trained adjusters and claims representatives who probably get praised and promoted for keeping their costs down, and settlements low. Still, you may be able to settle your claim by yourself when you don't mind gathering all of the information necessary to determine the value of your claim when you don't mind going to the time and trouble of interviewing necessary witnesses when you think you have all of the bases covered when you know the insurance company is not trying to take advantage of you. If you have questions or are unsure about what to do, you should consider hiring an attorney. Your personal injury lawyer can advise you on the proper course of action, explain your legal rights, tell you what to expect regarding the progress of your case, evaluate your case, negotiate a replacement auto and repairs, negotiate a full and fair settlement of your claim, all the while representing your interests aggressively so you get the money you deserve for your injuries. Injured victims often share this concern: Will I get more money handling my case myself? Or should I hire an attorney? As you may know, your attorney usually charges a portion of the amount he recovers for you as his attorney's fee. The amount of money your lawyer recovers is usually much more than you could have recovered on your own. You don't save any money by waiting to hire a lawyer. The sooner you contact us, the sooner we can aggressively pursue your claim. What will happen if I don't hire a lawyer? This question is hard to answer. You may do just fine, or you may permanently damage your case and make it much harder (or even impossible!) to collect the money you deserve. Consider this analogy: You have a leaky faucet. You can try to fix it yourself, and you might do a good job. But you might also cause further damage. Then you call the plumber. Now, your plumber will charge you two or three times as much as he would have charged if you had called him at the beginning, when all you had was a leaky faucet. These extra charges are because of the damage you caused, which your plumber must now repair. You can hire us near the end of your case, if you are having problems collecting from the insurance company or you can hire us at the beginning, and we'll do all the work for you. Either way, you pay us the same. So why not hire us at the beginning. You pay us no more plus you save yourself all the time, stress, aggravation and hassle of dealing with the insurance company. What's more, we can probably persuade the insurance company to pay us more money than they would pay you if you do not have a lawyer. 8 COSTLY MISTAKES TO AVOID WHEN

8 SELECTING A PERSONAL INJURY LAWYER MISTAKE #1: Choosing a lawyer who doesn't have enough experience. The most important factor in choosing a personal injury lawyer is the amount of his knowledge, skill and experience handling injury claims. This includes (1) experience handling injury cases, and (2) experience taking injury cases to trial. In most cases, the money you recover for your injuries will come from an insurance company either the other person's insurance company or your own. And one of the reasons insurance companies have so much money is because they pay accident victims like you as little as possible often less than you deserve. Make sure the lawyer you select has in-depth experience handling personal injury cases. MISTAKE #2: Choosing a lawyer only because you like his advertising. A flashy TV commercial or Yellow Page ad doesn't mean anything except that the lawyer agreed to pay for the ad. Advertising can make almost any lawyer look like an expert. Don't choose a lawyer solely because you like his ad. Make sure you ask questions about the attorney's experience in handling injury claims. We will be more than happy to discuss with you cases we have handled that are similar to your own. MISTAKE #3: Choosing the lawyer who promises you the most money. The amount of money you're entitled to recover, called "damages," is based on many components: (1) the length of your recovery from injury, (2) the dollar amount of your medical bills, (3) the dollar amount of lost wages, (4) pain and suffering, and (5) the severity of your injuries. No one can tell you exactly what your case is worth until they gather all the facts. Any lawyer who promises you a certain amount of money before all of this information is known is making a promise he probably can't keep. MISTAKE #4: Choosing a lawyer because he expects to settle your case. Most injury cases are settled without going to trial. Even so, if you hope to get a fair settlement for your injuries, your lawyer must be willing to take the insurance company to court. Otherwise, the insurance company has no reason to offer you a fair amount of money for your injuries. Although it may not be your intent to go to trial, it is often important to make the insurance company aware that you are ready to do so if their offer is not fair. If you hire a "settling attorney" one who usually settles his cases and won't go to court you can expect to receive less money for your injuries than if you hire a skilled trial attorney. Remember: The most powerful weapon you can use against the insurance company is your willingness and ability to take your case to trial. MISTAKE #5: Choosing a lawyer because of a referral from a friend.

9 When a friend refers you to a lawyer, be careful. Yes, your friend probably means well. But your friend may not be the best source for a referral. You see, people often select a lawyer because they like him. But you need a lawyer who is much more than just a nice person. You need an attorney who has the trial experience to go up against billion-dollar insurance companies. Insurance companies hire experienced investigators, adjusters and lawyers to work against you. You need experienced lawyers and investigators working for you. Your best choice is an experienced personal injury firm with a proven track record and reputation for success. MISTAKE #6: Choosing a lawyer merely because he appears successful. A handsome office and an expensive car don't tell you anything about the lawyer's experience. Don't judge a lawyer merely by appearance. Choose a lawyer by whether he has the knowledge, skill, experience and willingness to (1) sue the other party, and (2) take your case to trial, if necessary. That's the best way to make sure you recover the amount of money you deserve. MISTAKE #7: Choosing a lawyer because of the location of his office. You may be inclined to select a lawyer who has an office down the street from your home or office. But this could be a big mistake because what you gain in convenience you may lose in knowledge and experience. Most of the work between a personal injury lawyer and his client may be done by mail and over the telephone. You should hire an experienced trial attorney, even if you must drive a little farther to his of-fice. You may find that the extra minutes on the road will be worth thousands of extra dollars in your pocket. If travel is difficult for you, please let us know and we may be able to help you. MISTAKE #8: Not reviewing the lawyer's track record. You can get a good idea of a lawyer's experience by reviewing his track record of cases that he has settled or taken to trial. Ask the attorney about cases he has tried in court and cases he has settled. This will give you a way of determining the level of the attorney's experience. 18 TOUGH QUESTIONS TO ASK BEFORE YOU HIRE A LAWYER 1. How long have you been practicing in the specific field of accident and injury law? 2. What percentage of your practice is devoted to accident and injury law? 3. Have you previously represented people with injuries similar to mine? 4. Do you have investigators and expert witnesses who will help in cases with my type of injury? 5. Can you refer me to a physician who can provide treatment for my injuries? 6. Can you help me with my property damage claim and get a rental car for me?

10 7. Will you handle my case on a percentage fee basis? 8. If I can't come to your office, will you come to my home or office? 9. Will you send me a free Consumer's Guide for Injured Victims? 10. Have you attended the Arizona Trial Advocacy College? 11. Do you conduct free educational seminars so I can learn more about injury cases? 12. Will you discuss my case with me over the telephone? 13. Are you a member of the Arizona Trial Lawyers Association? 14. Are you a member of the American Trial Lawyers Association? 15. Have you ever defended insurance companies against injury claims? 16. Will you evaluate my case for me without cost or obligation? 17. If the insurance company doesn't offer a fair settlement, are you willing to fight for what is fair? 18. Will you send me free educational materials about injury cases? HOW WE GET PAID, IN PLAIN ENGLISH At Zachar Law Firm, your initial consultation is always free. We handle most personal injury cases on a contingency fee basis. This means we receive a percentage of the amount we recover for you. If we do not recover money for you, we don't receive a fee. In addition, we may consider handling your personal injury case on an hourly basis, if you wish. This means you pay us for each hour we work on your behalf. If you're interested in an hourly arrangement, please ask and we will be happy to discuss it with you. >From our experience, we have found that the contingent fee arrangement is what most of our clients want. This is because most injured victims cannot afford to pay the cost of hiring a lawyer by the hour. In addition, where the arrangement is for a contingent fee, Zachar Law Firm will likely advance the costs of preparing your case until your case is concluded. The State Bar of Arizona has rules of ethics that we must follow. As a result, you are legally responsible for the costs we pay on your behalf. The money we advance will be deducted from the settlement amount. However, you'll be glad to know we do not charge interest or any other fee for advancing this money. Also, we do not charge for phone calls, copies, faxes or postage, like many other law firms do. This is one more way we show you that we are committed to helping you get the money you deserve and to make sure justice is served. LEGAL SERVICES

11 The Zachar Law Firm represents clients in all matters involving personal injury and death. These include insurance claims involving automobile accidents motorcycle accidents truck accidents uninsured motorist under insured motorist bicycle accidents pedestrian accidents boat accidents aircraft accidents railroad accidents construction site accidents farm accidents injuries on property dog bites and attacks injury to children medical malpractice injuries caused by doctors or hospitals birth injuries surgical mistakes product liability defective products dangerous chemicals nursing home injury and abuse injuries caused by inadequate security at hotels and shopping malls and all other accidents involving personal injury or death. YOU'RE INVITED TO CALL! We will be happy to talk with you over the telephone without cost or obligation of any kind. So if you have questions about your injury claim or if you'd like to discuss your case we'll be happy to speak with you. You're invited to call us anytime. Call (602) or Toll Free Meet Christopher J. Zachar, Esq. Chris is a personal injury and trial lawyer who has practiced law for seventeen (17) years. He graduated from Arizona State University in Tempe in 1989 with a Bachelor of Science Degree in Political Science. In 1992, Chris graduated from the University of Arizona College of Law in Tucson with his Juris Doctor Degree. He is admitted to practice law in all city, county and state courts in Arizona. In addition, Chris is admitted to practice law in the United States District Court and the Ninth Circuit Court of Appeals. Chris is a member of the American Trial Lawyers Association, the Arizona Trial Lawyers Association, the Maricopa County Bar Association, and the State Bar of Arizona, including the State Bar's Section for Sole Practitioners and Small Firms. As part of his specialized training, Chris attended the Arizona College of Trial Advocacy. In addition, Chris attends many seminars and conferences each year to maintain his high standards of knowledge and excellence in the practice of law. Chris is certified as a specialist in Personal Injury and Wrongful Death by the State Bar of Arizona. He has been named for the last three (3) years as a Super Lawyer of the Southwest. Read What Clients Say About Chris Zachar's Legal Knowledge, Skill and Experience "I have known Chris for sixteen (16) years. He is bright and solidly aggressive and grasps problems quickly. I would not hesitate to recommend him in cases involving personal injury and tort litigation. The best compliment I can give is to refer clients to him, which I have." Howard Pynn, Scottsdale, AZ

12 "Two teenage girls attacked me at work during an attempted armed robbery. One of them beat me in the head several times with a steel pipe and then stabbed me four times. All I had was worker's compensation, so I decided to see a lawyer. Before I called Chris, I talked with eight or nine lawyers who refused to take my case. Chris took my case. We got $165,000 from one insurance company and we're still going after the other girl's parents. Chris pursued my case when no one else would. I would certainly refer injured victims to Chris." Colleen McKnight, Flagstaff, AZ "Chris provided my husband Tommy with aggressive representation. Chris was reliable and did what he said he would do. Plus he returned our phone calls. I would be happy to refer friends to Chris." Christy Jonovich, Buckeye, AZ "Chris was very professional and very thorough. Overall, he did an excellent job for me. Chris was always available to answer questions, and if he wasn't available when I called, he always returned my call right away. I have referred other clients to Chris." Deanna Patnode, Scotts-dale, AZ "Chris Zachar provides a fantastic service. My case is against Wausau Insurance Company. Wausau is a big outfit. They have never heard of Zachar & Doughty. They think they can make Chris go away, hoping he will just dry up and blow away. I've been in court with Chris. I've listened to him. His experience shows. He's doing a fantastic job. And every day they don't settle the case, I get $250 in my pocket because I get interest on the unpaid balance. Thank God I've got Chris for my attorney. He's the greatest. This is all the truth. Chris is a wonderful man and a family man, too. I hope these comments help him attract more clients because he deserves my help." Robert Pomeroy, Scottsdale, AZ

13 "Chris is honest and easy to work with. I have known him for six years. When I call him, he doesn't act like he's too busy to talk to me. Chris always helps me out. He has helped out members of my family, as well." IG, Phoenix, AZ "Chris's most important strength is his professionalism. He always made a concentrated effort to make sure I understood what we were doing and where we were going. Chris kept me informed throughout the whole process, not just at the beginning and then when we walked into court. He kept me apprised of everything, including motions. I have confidence in Chris because I know what is happening. Chris is the lawyer to hire. I've been very pleased with his service. Today, the case is over and we won. It was a long, drawn-out process, taking almost five years. What more can I say? That's the ultimate when you're speaking of lawyers. When you have confidence in them, you feel the comfort I felt." NR, Flagstaff, AZ "I was in a car accident when I was in Arizona, so I hired Chris to be my lawyer. I found him to be very intelligent and calm in his manner, flexible and accommodating, and easy to communicate with." IG, New York, NY "I was not looking forward to dealing with an attorney. Now, Chris and I have worked together on my case for two years. He has been very helpful to me. He made a difficult situation as good as it could possibly be. Any time I've had questions, if he has not been in the office, he returned my phone call right away. I had a good experience with Chris and I have nothing bad to say about him. He's been very helpful. " CD, Phoenix, AZ

14 Legal Services The Zachar Law Firm represents clients in all matters involving personal injury and death. These include insurance claims involving automobile accidents motorcycle accidents truck accidents uninsured motorist under insured motorist bicycle accidents pedestrian accidents boat accidents aircraft accidents railroad accidents construction site accidents farm accidents injuries on property dog bites and attacks injury to children medical malpractice injuries caused by doctors or hospitals birth injuries surgical mistakes product liability defective products dangerous chemicals nursing home injury and abuse injuries caused by inadequate security at hotels and shopping malls and all other accidents involving personal injury or death. You're invited to call! We will be happy to talk with you over the telephone without cost or obligation of any kind. So if you have questions about your injury claim or if you'd like to discuss your case please don't hesitate to call us. We will gladly speak with you over the telephone or in person, whichever you prefer. Please feel free to call us anytime. We'll be happy to help you in every way. Zachar Law Firm Call (602) or Toll Free East Thunderbird Road Phoenix, Arizona Chris Zachar Provided as an educational service by Zachar Law Firm, P.C. We provide this information to help you understand the process of settling a personal injury claim. Please realize that these tips and suggestions work most of the time, but nothing works every time. This is why it is important that you have your claim reviewed by a competent and experienced personal injury lawyer. You're invited to call us anytime at (602) or toll-free

15 Copyright 2009 by Zachar Law Firm, P.C.

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